AMEX No FTF

Rakuten American Express

First Electronic Bank

Annual Fee $0

Rewards

Dining
Cash back
10%
Rakuten Dining

10% total at 22,000+ Rakuten Dining partner restaurants (5% base Rakuten Dining + extra 5% with card). Includes tax, tip, and drinks.

Online Retail
Cash back
4%
Rakuten

Extra 4% cash back on Rakuten purchases (online & in-store), stacks with portal cashback rates. After $7,000 cap, earns 1%.

Cap: Annual spending cap of $7,000 for extra 4% cash back on Rakuten purchases
Grocery Stores
Cash back
2%

2% cash back on grocery store purchases

Dining
Cash back
2%

2% cash back on restaurant purchases (standard dining, not Rakuten Dining portal)

Card Details

Card Network
AMEX
Annual Fee
$0
Foreign Transaction Fee
None